Disney Visa Card Review

We publish unbiased reviews; our opinions are our own and are not influenced by payments we receive from our advertising partners. Learn about our independent review process and partners in our advertiser disclosure.

The Disney Visa Card, issued by Chase, is the more basic of two credit cards that pay rewards toward future Disney purchases. The rewards rate is mediocre, but you’ll get unique Disney discounts and special access to events without paying an annual fee.

Disney® Visa® Card

Overall Rating
Disney® Visa® Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 22.99% variable
Annual Fee $0
Rewards Earning Rate Earn 1% in Disney Rewards Dollars on all card purchases.
INTRO PURCHASE APR 0% for the first six months following the purchase date on select Disney vacation packages or purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club® Resort, provided your account is not past due on the purchase date.
Foreign transaction fee (%) 3%
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit
Current Offer

Get a $150 statement credit after you spend $500 on purchases in the first 3 months from account opening.

Who Is This Credit Card Best For?

  • Avatar for Jet Setter Persona
    Flies regularly and likes finding ways to score even more travel—for free See more cards
    Jet Setter
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things See more cards
    Adventure Seeker

Since the Disney Visa Card pays Rewards Dollars redeemable only for Disney purchases and vacations, this card is best for true Disney enthusiasts who know they can put their earnings to good use. Wherever you use your card, you’ll earn 1% of every dollar back in Rewards Dollars, with no limit.

You’ll also get discounts at Disney stores, insider perks at Disney parks, and six months interest-free if you book select Disney vacations. In fact, these benefits may be the real selling points for the card since potential cardholders with good credit can easily earn bigger rewards elsewhere. Many general cash-back credit cards offer more than 1% back, and you can often redeem your rewards as a statement credit against anything you buy, including Disney vacations and merchandise.

  • Disney discounts and perks

  • Your choice of card design

  • Limited redemption options

  • Low rewards-earning rate

  • Short promotional financing period

Pros Explained

  • Disney discounts and perks: As a cardholder, you’ll be eligible for discounts when you use your card to buy merchandise and eat out at Disney parks and resorts and on Disney cruises. Plus, you’ll get special insider perks, like photo opportunities with Mickey Mouse or exclusive access to events. Prices are better even on Disney items, either purchased online or at Disney stores. 
  • Your choice of card design: If you’re in love with your favorite characters, you’ll be happy to know you can choose who’s on your card. Options include Darth Vader, Minnie and Mickey, Tinkerbell, and more. 

Cons Explained

  • Limited redemption options: Many rewards credit cards offer basic cash back or let you use points to travel or buy gift cards, but this card focuses solely on Disney, including Disney theme park tickets, Disney movies, purchases in Disney stores, and Disney cruises and resort stays. What’s more, you’ll have to earn at least $20 in Disney Reward Dollars before you can start using them. That means you’ll need to spend at least $2,000 on your card before reaping any benefit. 
  • Low rewards-earning rate: Getting 1% back in Disney Rewards Dollars puts this card behind many cash-back credit cards that offer at least 1.5% back and with far more flexible redemption options. 
  • Short promotional financing period: If you need time to pay off an eligible Disney vacation, six months with no interest is helpful, but many cards offer introductory 0% APR deals for 12 months or longer. (Perhaps the one advantage of this card’s offer is that you can use it anytime you book an eligible vacation, whether your account is new or not.)

If you’re willing to pay a $49 annual fee, consider the Disney Premier Visa Card, which offers 2% back on some purchases as well as a bigger sign-up bonus. 

Disney Visa Card's Bonus for New Cardholders

The Disney Visa Card gives you a $150 statement credit after you spend $500 on purchases in the first three months from account opening. This is about average compared to other rewards cards.

Earning Points and Rewards

The Disney Visa Card gives you a flat 1% back in Disney Rewards Dollars for every dollar you spend, regardless of purchase category. That’s underwhelming considering many cash-back cards offer at least 1.5% back on every purchase, or well above that on select spending categories. 

Disney Rewards Dollars expire five years after they’re earned, but once they’re transferred to a Redemption Card, there is no expiration.

Redeeming Rewards

Rewards earned with this card can be redeemed for more than just tickets to a Disney park. Each Disney Rewards Dollar you earn is worth $1 toward these purchases:

  • Disney park tickets
  • Disney resort stays
  • Disney and Star Wars movies
  • Items purchased in Disney stores
  • Cruise packages from Disney, as well as onboard purchases and souvenirs

You’ll have to transfer your Rewards Dollars to a Disney Rewards Redemption Card to use them. You can order this card once you have at least $20 in Rewards Dollars in your account, and then you can refill the card whenever you have accrued at least $10 in Rewards Dollars. 

How to Get the Most out of This Card

The fact of the matter is that you can find better rewards earning rates with other cash back and travel rewards cards. This card’s modest 1% earning rate means it could be a long time before you earned enough Disney Rewards to treat yourself to a significant trip or outing.

That said, if you’re a real fan of Disney, the discounts, perks, and other exclusives may have real value for you—and you’ll make the most of those during a visit to a Disney property.

If you’re planning a Disney park or resort trip, consider charging it to your Disney Visa Card to take advantage of the six-month 0% interest offer. You might also think about carrying an airline or hotel rewards card that can help defray some of the other expenses of the trip like airfare and hotel stays.

Also, if you plan to cancel your card, first try to meet the minimums for transferring to a redemption card, so you don’t waste rewards. You’ll need at least $20 in Rewards Dollars to qualify for a redemption card and at least $10 to refill one. 

Disney Visa Card’s Excellent Perks

The Disney Visa Card offers one benefit deemed exceptional by our editors:

  • Insurance for delayed baggage: Get up to $100 per day to cover toiletries and clothing needed when your baggage is delayed by an airline or other common carrier for at least six hours. This coverage is good for up to three days.

Disney Visa Card’s Other Features

  • 10% off select shopping and dining at Disney resorts
  • 15% off select guided tours at Disney resorts
  • Cardmember-only events with Disney characters on select dates
  • Cardmember-only events at Disney stores
  • 10% off select Disney purchases in stores and online

Customer Experience

Chase gets decent marks for its customer service and overall cardholder experiences. The bank scored just below the segment average of 809 with 807 out of 1,000 possible points in J.D. Power’s 2021 U.S. Credit Card Satisfaction Study of national issuers, getting the fourth spot behind American Express, Discover, and Capital One. 

Chase is known for its 24/7 phone customer service as well as its handy mobile app that lets you track your rewards, monitor your spending, and pay your bill from your mobile device. 

Security Features

Chase offers standard security features for its credit cards, including account monitoring, multiple authentication checks, and encryption. You can also track and monitor your credit score through Chase’s free Credit Journey service.

Disney Visa Card's Fees

The fees on this card are pretty standard for the industry. Take note that you will have to pay a 3% foreign transaction fee for purchases made outside the U.S. Cash Advance fees are either $10 or 5% of the amount of each transaction, whichever is greater.

Next Steps
For Disney® Visa® Card
Compare This Card
See how this card stacks up to the competition
Disney® Visa® Card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 22.99% variable
Annual Fee $0
Rewards Earning Rate Earn 1% in Disney Rewards Dollars on all card purchases.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Disney Rewards. "Compare Disney Credit Cards: Disney Premier & Disney Visa." Accessed October 25, 2021.

  2. Disney Rewards. "Questions about Redeemig Disney Rewards Dollars." Accessed October 25, 2021.

  3. Disney Rewards. "Questions about Earning Disney Rewards Dollars." Accessed October 25, 2021.

  4. J.D. Power. "While Many U.S. Credit Card Issuers Struggle to Meet Evolving Cusstomer Expectations, Some Bright Spots Exist, J.D. Power Finds.” Accessed October 25, 2021.

  5. Chase. "Pricing & Terms." Accessed October 25, 2021.